Date Received: 2016-10-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am in need of your assistance please. My wife and I purchased a house in XXXX while we were XXXX, and as you know the market collapsed shortly thereafter. In XX/XX/XXXX I XXXX was forced to leave my family behind to continue trying to sell our house. After a couple months of nothing, and an upcoming XXXX to XXXX we decided to contact XXXX XXXX XXXX at the time for assistance, and they said they would n't help us so we had to leave the house as is. After being in XXXX for a couple months a friend of mine moved into our house, and I took out a loan from my Grandfather to get caught up on the house. We than got a long term resident in the house with intentions to purchase the house from us after settling some things from his last house. We got stationed in XXXX XXXX in XX/XX/XXXX where we lived until XX/XX/XXXX. In XXXX XXXX our renter up and left the house leaving us with no notice or anything. My wife 's paycheck was going strictly towards the house for 7 months until my wife had to quit because of orders taking us to XXXX where we are currently stationed. While we tried with the bank to do a short sale, we were getting the run around which was very difficult being in XXXX, and it did n't seem like the VA was helping us get the documents loaded into the system, and I had to make daily calls for a week at a time to make sure things were getting done, and after about a month we got an offer on our house that was very good. I called Nationstar and the VA again almost on a weekly basis to try and get the house sold. After well over 90 days of waiting on the bank and making constant phone calls, there was a really bad storm in XXXX where rain had got in the basement and our sump pump went out. We were than notified that there was mold damage now, and the buyers backed out, and we do n't have the means to get the mold fixed, and the bank said they would not pay for it. So now the only thing I could think of was a Deed in Lieu, to try to get this house out of my name and try to rebuild my credit. I submitted paperwork to the bank 2 weeks ago, and since then have been contacted by the bank 4 times asking about the short sale, and how that process was going. Each time I had to explain again that I had submitted the paperwork to do a Deed in Lieu. I am now convinced that if personnel that work at this bank and handled my account had done their job my house would have sold when we did the short sale, and they should be held accountable for what they have done. If this is happening to me and my family I ca n't help but think if there are other Soldiers and families going through the same difficulties as I am. As a XXXX I had to try to reach out to someone in a position to make a difference not only for me but also for what could be numerous Soldiers and their families that are going through the same problems. Thank you for your time Sincerely XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX transferred or sold my account to nationstar which is ok, however a automatic payment was sent after and XXXX offers no way to opt out of their automated answering system to talk to anyone. My payment was cashed and not forwarded or returned. Should be illegal to not allow real conversations, very rude. Please respond asap
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Nationstar Mortgage Loss Drafts Department which refuses to release insurance claim proceeds. All checks received from XXXX insurance have been endorsed and sent to Nationstar Mortgage. As requested, all documentation required and listed in the Nationstar Loss Drafts Department package has been provided on timely manner and required inspection took place twice at our property. The second inspection was on XXXX XXXX, 2016 and repair has been approved for release all funds. The website says the funds have been released in 6 days. However Nationstar mortgage makes all possible way do not pay the money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have signed the auction agreement with the lender and they promised the will help to short sale. However, it look like they just want to foreclose my house. I have been complying with their request. The lender forced me to sign all the letter and agreement to list the house with XXXX to avoid foreclosure but end of nobody auctioned the house with their ridiculos price. Then they came back and said the current buyer must counter with higher number. But they cant and lender told us they will foreclose our house. It look like they never respect what they request and help consumer. They discriminated my hardship and being ridiculous on selling price
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Our adjustable mortgage has become unaffordable for us. 1. Because we lost significant employment in 2014. 2. One of us has just retired, the other is semi-retired. 3. We asked our mortgage company for a mortgage modification and they refused. 4. We listed the house for short sale, and the mortgage company continues to refuse the offers. 5. Now we 've learned that they 've put this house up for auction, claiming that we consented to that. However, we never knew that we did. We believe that " consent '' was hidden the short sale agreement deceptively. 6. We have stopped making our house payments effective XX/XX/XXXX as a result of all this. However, we want to stay in the house. 7. We have called the mortgage company repeatedly asking to speak to someone about renegotiating our mortgage, but they never call back. 8. They have revised their Website. We can no longer log on to our account or obtain any of the correspondence we had posted with them there.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am victim of Mortgage Fraud perpetrated in XXXX. I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: As of XXXX/XXXX/XXXX, I went to log into my Nationstar mortgage and it 's asking for my email address and email password. That 's against the law. The should not be asking for passwords to your email account. I made a payment on XXXX/XXXX/XXXX and I did not have to do this. I was able to log in with my username and password I created XXXX XXXX. Why are they ask for that. I 'm to review my payment information and how they came up with me oweing {$400.00} more than whats due.
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The exact same way XXXX XXXX created fake documents to establish fraudulent customer accounts, and repossess customer 's vehicles. They also engaged in a similar illegal foreclosure scheme, in which they created and submitted thousands of fraudulent documents to unsuspecting local courts to establish standing to foreclose on homes they did not have legal authority to do. In XX/XX/XXXX I was forced into a predatory Sub-Prime loan by XXXX. Who was later shut down by the federal government for predatory lending violations. XXXX immediately assigned this loan to XXXX home loans as the servicing agent, who was also cited for predatory lending violations before finally being forced into a takeover by XXXX XXXX XXXX. There is absolutely no documentation showing that my loan ever became part of this fraudulent XXXX trust that is claiming ownership of my loan. This is whom XXXX XXXX claims to be trustee for and is foreclosing on their behalf. First, I never missed any of the payments they claim and have proof all payments. Second I was coached into " default status '' in order to qualify me for a loan modification out of the sub-prime predatory loan. While supposedly modifying my loan, XXXX XXXX initiated a foreclosure suit against me which is considered Dual tracking and a Violation of the federal RESPA. By law, In order to legally bring suit, the plaintiff must have possession of the mortgage note at the time the suit was filed. XXXX XXXX did not and I have proof of this. Therefore I have a false plaintiff ( XXXX XXXX ) using a fraudulent document they created ( assignment of Mortgage ) that supposedly ( via XXXX ) gave them ownership of my note from XXXX. Conveniently, this document was created by XXXX XXXX right before they filed suit, not when the loan closed in XX/XX/XXXX or when they became trustee. Problem is, the date on the Assignment is dated over a year AFTER XXXX was shut down by the FDIC. Therefore, at the time they created this fraudulent document purporting ( via XXXX ) that XXXX gave them ownership, XXXX had been dissolved and assets liquidated. Making any such transferred 100 % impossible and the document FAKE! Also, if the note had been purchased and deposited by the trust ( who is suing me ) as required by law, then the assignment would have came from the trust to XXXX XXXX, not from XXXX to XXXX XXXX. This proves that the trust and it 's trustee never had possession nor ownership of the note when they filed suit. Their claim of standing is also invalid because the note was never placed inside this trust as required by law and as the ( unsigned ) Pooling and servicing agreement ( PSA ) states it must be.. I later received legal notice from XXXX informing me that they had transferred my loan years after XXXX XXXX fraudulent assignment claiming ownership. This XXXX notice confirms that my loan was NEVER transferred to XXXX XXXX. Which again shows that this Trust and trustee ( XXXX XXXX ) was never the holders of the note. Moreover this notice identifies the true owner of my loan and it 's not XXXX XXXX or this XXXX. In addition, XXXX XXXX and NationStar are in violation of the RESPA act in regards to my QWR. XX/XX/XXXX, I exercised the right afforded to me as a consumer and submitted a Qualified Written Request to XXXX XXXX and NationStar. I requested information about my mortgage loan 's ownership. Both banks acknowledge the receipt of my Qualified Written Request and stated they would respond within 30 days. The law states that they must respond, yet after numerous calls to XXXX XXXX and NationStar, and over A YEAR later they still have not responded to my request. This is a violation of the law and warrants sanctions, including damages. I have copies of their acknowledgement letters and all other documents.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2016-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: What didnt happen ... since day XXXX when Nationstar took over this loan from XXXX on XXXX/XXXX/XXXX. Once Nationstar took over things went downhill fast. The supposed dedicated loan specialist assigned to my loan consistently advised 'everything was fine ', 'no need to worry ' even when my check for {$1000.00} was sent towards my payment due for XXXX XXXX was returned. She never explained to me or even mentioned the word Foreclosure. Later on ( about 7 months later ) I found out that Nationstar had started the Foreclosure process. Not once did she ever mention this when she would consistently call to discuss payment arrangements. Finally a good friend of mine suggested that I apply for a loan modificaiton. My first attempt was made to get my loan modified in XXXX XXXX. It was such a confusing ordeal that even Nationstar couldnt provide the correct information needed to apply for the modification. The main issue and reason for requesting the loan modification was because my wife left in XXXX and I had primary custody of my XXXX kids. So i went from XXXX incomes down to just mine. Without her paying any type of child support which was outlined in our separation papers. It got to the point that I finally gave up on the request because Nationstar kept telling me I needed to get a court seal on the separation papers however, after calling and going to the court house they had no idea what was being requested. And the state of MD does not recognize separation papers legally. It wasnt until I found out in late XXXX XXXX that Nationstar had actually filed for Foreclosure in the court system. That was when I attempted to request a loan modification again since the XXXX in XXXX had expired and I had to start over. Thru the XXXX attempt, my friend and I contacted XXXX HUD Agency on XXXX/XXXX/XXXX thru XXXX where we were told that Nationstar was our only option and that I should be eligible for a lower interest rate and lower payment based on the financial information I provided and then we were put in contact on that call with a rep from Nationstar. Thanks to my friend who I gave permission to speak to Nationstar throughout the life of my loan, the next couple months were a lot of going back and forth almost daily with Nationstar the trial modification was approved and we were told the interest rate would go down from 8.82 % to 3.945 % but somehow the payment amount was higher than the original one I was having trouble paying. Again there was a lot of back and forth which I will attach the details of all these issues later on with the letters sent to Nationstar outlining in detail all of the issues. The bottom line is that Nationstar did not follow thru on what was verbally promised and even things that were in writing were still mishandled and if it wasnt for my friends help with keeping on top of them and spending so much time calling them almost daily to get things sorted out, I would not still be in my home because of Nationstar and their dishonesty and lack of customer service. They lack simple, basic customer service skills.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had previously contacted you when my mortgage company, XXXX, was dragging their XXXX concerning my mortgage modification. Since then they have finally got the papers needed to me and finished the modification. Now they have sold my mortgage to Nationstar and I have been informed that I have an escrow shortage so my payment will shoot up to {$1100.00} a month. ( NOTE : I received a letter after starting this that states it will be {$1500.00} a month ) My concern here is that when XXXX did the modification to a 40-year term, they also financed an extra {$3000.00} into the escrow so it would not be short. Now Nationstar is telling me the escrow is short and I should look into a short sale, died-in-lieu, or loan modification. Before I ran into problems I was on time with my mortgage, then XX/XX/XXXX I got divorced and XXXX stated the only way they would remove my ex-wife off the mortgage was to refinance me for 30 more years ( I already had 10 years in on the original mortgage. Then XX/XX/XXXX got behind while my new wife was in school, so then I talked to XXXX. All said and done, they modified me for 40 years at {$980.00} a month. I paid 1 month and the loan was sold and now it is {$1500.00} a month. This, mind you is on a {$66000.00} mortgage note. And to make matters worse my AC stopped working. Had a service come look and the entire unit has mold in it. I have a XXXX and my wife has XXXX. We are living in an unsafe home for both of us, nowhere to go. How is it that these mortgage companies can get away with all this? I am being forced from my home. I have no money, I do not live extravagantly, have a truck that has 18 months before it is paid off. I have said I am not one of those people that stays in a home as long as I can without paying ( you hear horror stories all the time ) but what XXXX has done to me, is forcing me to do just that. Do I save and fix AC, do I save and try to move to a rental? We are clean responsible people, but I have XXXX great dog, XXXX cute cats and a XXXX step-son, so my options are limited. Very limited. So I ask you, where is the assistance that you hear about that has helped so many others, others that have taken advantage and not paid mortgage payments for a long period of time but were able to refinance to a reasonable payment and a principle reduction? I have nowhere to go, no idea what to do. I have been beaten down for the last time. Any help will be greatly appreciated.
Company Response:
State: FL
Zip: 34691
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No